Hi allQuote:
Originally Posted by Hodge
Just read PDS and policy document from NRMA.
Page 60 of PDS lists the usual exclusions eg
driver or passenger being wilfil or reckless
vehicle or anything it was towing was-in unsafe condition, being towed illegally, exceeds no passengers or load limits recommended by manufacturer.
vehicle being used for-illegal manner or purpose, illegally used to carry or store explosives, flammable or combustible substances or liquids, race, rally, trial,test or similar.
There were many other exclusions but the one that got my attention was-loss or damage caused by or arising from-- faulty design or workmanship or repairs by someone else. This really opens a can of worms when we have modified our vehicles in any way from standard without an engineers certificate eg home made canopy or dual battery brackets or self installation of bullbars and winches etc.
When I asked where in policy does it state where vehicle is covered (off road, on the beach etc),I was advised that it is not stated in policy anywhere but I am definitely covered any where in Australia as long as it is legal to be there.(2 different phone calls) As proof of this, I was give the operators ID and date and time of call to confirm this advice in the recorded phone call.
Obviously there are many loopholes for insurance companies to get out of paying a claim.
Probably best advice is to treat insurance policy like a hand winch. Have one but do everything possible to never have to use it
